About Us » Frequently Asked Questions


What do you mean by Active?

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Active means we do not view the asset allocation decision as a one-time choice. We proactively change the investment allocations within our programs to reflect a changing market environment. But we’re not market-timers; our programs may re-allocate anywhere from zero to ten times a year, depending on the program, our market outlook and current market conditions. In addition, good Financial Advisors may have a lot of clients and can’t always move them in and out of positions quickly and efficiently even if they were able to proactively recognize changes in market conditions. As a third party asset manager, PageOne continuously monitors the financial markets and actively adjusts the program allocations, which may protect client assets and minimize the effect of prolonged market downturns.

Tell me about your service offerings.

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The original series of investment programs at PageOne is called the Heritage Series. In 2004, we created the Advisor Series of investment programs, which gives us greater flexibility in terms of the variety of asset classes and market segments we can employ. (There is much more detailed information on our programs in the “Our Products” section of this website). You may also obtain further information by viewing our ADV Part II by clicking here or upon written request.

In what products do you invest?

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Our business model is simple: We develop, through diligent research, asset allocation “buckets” for each program we manage (i.e., 60% bonds/30% stocks/10% cash), then “fill” (implement the asset allocation strategy) those allocation buckets with mutual funds or variable annuities. We choose the funds or annuities that best fit the needs of each program.

What mutual fund families and/or annuity companies can I use in a PageOne program?

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There are many different mutual fund families and annuity companies available for use in a PageOne program. The Financial Advisors that represent us have an extensive list of what can and cannot be used. It’s important to remember that because we are active asset managers, and therefore may exchange assets several times a year, we can only work with funds/annuities that do not have restrictive exchange policies. Those restrictions severely inhibit our ability to effectively manage our programs.

What makes you different from other money managers?

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It’s our active approach (which is outlined above). In most of our programs, we have the ability to take a defensive position of 100% in money market instruments (which are typically less risky) if we feel that’s appropriate to protect client assets.

How do you determine when to re-allocate the programs?

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There are three factors that help us determine when re-allocation of assets is necessary:

  • Fundamental/Econometric Research:
    We’re constantly monitoring world and economic news to identify trends and formulate strategy
  • Technical Research:
    We look at technical indicators and risk assessment models.
  • Discipline:
    We take a disciplined approach to investing. We’re human, but we try and filter out the effects of human emotion on the investment decision-making process.

What are the benefits of active management at PageOne?

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There are three distinct benefits to investing at PageOne:

  • Discipline: Too often, investment decisions are affected by emotional reactions to events rather than a logical, systematic process. Emotions cause investors to make bad decisions. We offer that discipline to our clients through vigilant research and constant monitoring.
  • Protection: On a best-efforts basis, PageOne Financial’s primary goal is to protect client assets from prolonged market downturns. We don’t chase returns and we’re not looking for the latest investing “fad”. We believe it’s as important to protect assets during a market downturn, as it is to capture market upturns.
  • Flexibility: In most of our programs, we have the ability to take a very conservative posture ( we can be 100% invested in the money markets ) when we believe that capital preservation is the best option for our clients.

Why is it so important to avoid prolonged market downturns?

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There is an asymmetrical quality to investment returns. Did you know that if your investments lose 25% of their value it takes a 33% increase in their value just for you to “break even”? Too many investors are focused on capturing market “upturns” without realizing the tremendous damage a prolonged “downturn” can do to your portfolio. Also, as we mention in other questions here, we all experience human emotions. It’s difficult for us as investors to live through prolonged market downturns (as in 2000-2002) without feeling nervous or impatient. These feelings can cause investors to make poor or irrational choices.

Explain the relationship between me, my Financial Advisor and PageOne.

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We recommend a three-tiered approach to Professional Money Management: your Investment Professional, PageOne Financial, Inc. and your mutual fund and/or variable annuity sub-account managers. Let’s look at each “tier” separately:

  • Your Investment Professional reviews your current financial situation, personal goals, risk tolerance, income needs, and time horizon. Following a comprehensive financial plan, the Investment Professional then selects the appropriate investments and asset managers for plan implementation. Finally, they monitor and review your progress on a regular basis.
  • The fund and variable annuity sub-account managers are each responsible for a sector in your portfolio. They perform research and analysis within their particular sector, select securities and makes buy/sell decisions to meet the fund’s objective. They also provide proper diversification to help manage risk in their sector.
  • While your investment professional is monitoring your personal financial plan, and the fund managers are performing their function, PageOne is monitoring “the big picture”. Our analysts monitor market trends and technical data on a daily basis, and we use this data to make allocation decisions in the various programs. The important point is that re-allocation decisions are made based on current activity and emerging trends.

It seems like I’ll “lose control” of my assets in this relationship. Is that true?

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PageOne has full discretion over the investment decisions within its programs, and we deduct our management fee directly from your account, BUT- we cannot liquidate your assets or move them to different programs without your written permission, and the account is in your name. In either the Heritage or Advisor Series, your assets are custodied directly at the fund or annuity company and you receive statements directly from the fund or annuity company outlining all activity in the account. In the Advisor Series, you have the option, depending on the investments chosen, to have a single custodian (TD Ameritrade) for your assets. This means you’ll receive one monthly statement for each account under our management. By mid-year 2006, you’ll be able to view that month-end statement whenever you want via our website. With either program option, you’re constantly “in the loop”.

How can I invest with PageOne?

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Please Contact us at 800-733-6228 to learn more about our programs and services.

Can I terminate my relationship with PageOne?

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Yes, you can. An account can be cancelled, with written notification, at any time. By contract, we have 30 days to process a termination. A pro-rated refund will be issued based on the number of days left withing the billing cycle.

Are there any commission charges when you decide to re-allocate?

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PageOne does not impose any fees when we re-allocate our programs.

How much do you charge for your services?

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In our Advisor Series programs, we charge 2.0% for the first $100,000 invested. The schedule is “tiered” so that the more you invest, the less each successive “tier” costs (and your total fee is a “weighted average” of those multiple tiers). It’s important to note that this fee covers both the services of PageOne and your Financial Advisor. Here’s what the entire fee schedule looks like:

First $250,0002.00%
Next $$250,0001.80%
Next $500,0001.55%
Next $1,000,0001.00%
Excess of $2,000,000.75%

In our Heritage Series programs, we charge 2.50% for the first $50,000 invested. This schedule is “bracketed”, so that once your assets reach a higher asset “bracket”, the entire amount is charged a lower rate. Once again, this fee covers both the services of PageOne and your Financial Advisor. Here’s what the entire fee schedule looks like:

Less than $50,0002.50%
$50,000 – $499,9992.00%
$500,000 – $999,9991.75%
$1,000,000 – $1,999,9991.00%
Excess of $2,000,000.75%

When do I pay your management fees, how are they calculated and how do I pay them?

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In our Advisor Series, fees are paid at each quarter-end in advance for the next quarter’s management (for example, a fee is calculated at the end of the day on March 31 for the management of assets for the second quarter of the year). The fee is usually deducted from your account directly by PageOne but other arrangements can be made. PageOne calculates its management fee based on your asset value at quarter-end by applying the appropriate percentage from our Advisor Series fee schedule (above). For a $1 million asset level at quarter-end, the 0.43125% quarter fee is calculated as follows (the number for each tier is divided by 4 because the fee is calculated just for the quarter):

  • First $250,000 (equates to 25% of $1,000,000 asset level) * 2.00%=0.500% / 4=0.12500%
  • Next $250,000 (equates to 25% of $1,000,000 asset level) * 1.80%=0.450% / 4=0.11250%
  • Next $500,000 (equates to 50% of $1,000,000 asset level) * 1.55%=0.775% / 4=0.19375%

Your total blended fee for the quarter = 0.43125%
In our Heritage Series, fees are paid annually in advance for the next year’s management on the anniversary date of the account. The fee is usually deducted from your account directly by PageOne but other arrangements can be made. PageOne calculates its management fee based on your asset value at anniversary year-end by applying the appropriate percentage from our Heritage Series fee schedule (above). For a $1 million asset level at anniversary year-end, the annual fee is 1.00%.

How can I find out more about PageOne?

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You can continue to explore our website or call us at (800) 733-6228.

PageOne Financial’s “Advisor Series” Programs (Founders, Investors, Investors II, Sector Rotation, SIP Plus) were designed to be used on the TD Ameritrade Platform. However, several variable annuity products may be used with these programs. Please ask for details. PageOne Financial’s management programs do not guarantee a profit or protect against a loss. The Programs are designed to rotate in and out of vairous assets classes in sectors of the market. It is possible that trading acitvity could result in a taxable event to the investor and result in an indirect cost to the investor.

PageOne Financial’s fees will vary based on the size of your account and the program you select; please consult with your Investment Professional. There are also expenses associated with the underlying investment products. Please refer to your prospectus for specifics. The principal value and investment return of an investment will fluctuate so that your shares, when redeemed, may be worth more or less than their original cost. Mutual funds and variable annuities are sold by prospectus only. Consider the investment objectives, risks, charges, and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. Prospectuses may be obtained from your registered representative or by calling the investment company. Please read the prospectus carefully before investing.